At Morgan & Morgan, our attorneys can help protect consumers against a number of types of threats out there. With the resources of America’s largest plaintiffs firm, we have the bandwidth to tackle a whole host of consumer protection issues. Below are common consumer protection cases we handle:
The Fair Credit Reporting Act defines identity theft as “a fraud committed or attempted using the identifying information of another person without authority.” Our attorneys have experience navigating identity theft cases and work tirelessly to hold identity thieves and other parties accountable for their actions.
Mixed file errors happen when the information of two (or more) consumers is intermingled inappropriately and used to evaluate one customer’s credit. These errors can give consumers a credit score they don’t deserve, which can then result in denied credit, disqualified loans, and a host of other potential problems. Our attorneys can investigate and dispute incorrect information in your credit report and possibly help recover damages if negligence played a role in the error or its subsequent investigation.
The Coronavirus Aid, Relief, and Economic Security Act (CARES) amends the Fair Credit Reporting Act (FCRA) to instruct credit reporting agencies to make special accommodations for those affected by COVID-19. Under the CARES Act, it’s required that when credit reporting agencies grant payment assistance or relief to a consumer affected by the COVID-19 pandemic, and the consumer complies, the agencies must report the consumer’s account as current.
If there’s a dispute regarding the customer’s account, the agencies must respond to dispute claims within 30 days. If those disputes are not investigated within the allocated 30-day time frame, consumers can still pursue A Private Right of Action. Our attorneys can help you better understand the CARES Act and how it affects you, which can make all the difference when it comes to safeguarding your financials.
FACTA, which stands for the Fair and Accurate Credit Transaction Act, was created to reduce the risk of stolen personal information that could lead to identity theft. However, not all lenders and retailers follow the provisions of FACTA and put consumers at risk.
When your identity is stolen as a result of a company or lender violating FACTA, our consumer protection attorneys can work to hold these violators accountable and recover your full and fair compensation.